# JPMC-PDP Documentation from https://developer.payments.jpmorgan.com

# Add and update an external party as a recipient 

Your client is able to make business-related payments to external parties from their LIMITED_DDA_PAYMENTS account. Bank accounts for external parties are not verified in the same way linked accounts are. Your client cannot pay to an external party recipient from their LIMITED_DDA account.

## Transaction methods

Your client can create a recipient and add the methods of payment they wish to use to make payments to that recipient.

At a glance, the minimum details for each payment type are:

- Wire transfer:
  - Individual or business name
  - Country code
  - Address including city, state, and postal code
  - Routing and account numbers

- ACH or direct payment:
  - Individual or business name
  - Country code
  - Routing and account numbers
  - Account type (Checking or Savings)

- RTP:
  - Individual or business name
  - Country code
  - Routing and account numbers

- Push to Card (P2C):
  - Individual or business name
  - Country code (US only)
  - Complete address including city, state, and postal code
  - Cardholder name (max 30 characters, alphabetic and spaces only, no special characters)
  - 16-digit debit card number (numeric only, no spaces)
  - Card expiration date (YYMM format)

To add the details of the party you are paying, send a request to `POST /recipients`. 

## Create a recipient for ACH, Wires and RTP

Send a `POST /recipients` request with the account object containing the account number, type, country code, and a routingInformation array. Each entry in the array specifies a routing number and transactionType (ACH, RTP or WIRE). Multiple transaction types can be enabled for a single recipient in one request.

Sample request: 

```json
{ 
    "partyDetails": { 
        "address": { 
            "addressLine1": "200 Central Park West", 
            "addressLine2": "Apt. 3663", 
            "city": "New York City", 
            "countryCode": "US", 
            "postalCode": "12345", 
            "state": "NY", 
            "zip": "10024" 
        }, 
        "type": "ORGANIZATION", 
        "businessName": "Susie Struth", 
        "contacts": [ 
            { 
                "contactType": "EMAIL", 
                "value": "rob4568.smith@gmail.com" 
            } 
        ] 
    }, 
    "account": { 
        "number": "0259057683", 
        "type": "SAVINGS", 
        "routingInformation": [ 
            { 
                "routingCodeType": "USABA", 
                "routingNumber": "021000021", 
                "transactionType": "ACH" 
            }, 
            { 
                "routingCodeType": "USABA", 
                "routingNumber": "021000021", 
                "transactionType": "RTP" 
            }, 
            { 
                "routingCodeType": "USABA", 
                "routingNumber": "021000021", 
                "transactionType": "WIRE" 
            }
        ],
        "countryCode": "US" 
    }, 
    "type": "RECIPIENT" 
}
```

Sample response:

```json
{ 
    "id": "56043232-1ef2-4495-953b-1320b5b8913d", 
    "partyDetails": { 
        "address": { 
            "addressType": null, 
            "addressLine1": "200 Central Park West", 
            "addressLine2": "Apt. 3663", 
            "addressLine3": null, 
            "city": "New York City", 
            "state": "NY", 
            "postalCode": "12345", 
            "countryCode": "US" 
        }, 
        "type": "ORGANIZATION", 
        "firstName": null, 
        "lastName": null, 
        "businessName": "Susie Struth", 
        "alternativeName": null, 
        "contacts": [ 
            { 
                "contactType": "EMAIL", 
                "countryCode": null, 
                "value": "rob4568.smith@gmail.com" 
            } 
        ], 
        "identities": null 
    }, 
    "partyId": "33321085-23c6-4116-9e1b-b1a9a651ce7b", 
    "account": { 
        "number": "0259057683", 
        "type": "SAVINGS", 
        "bic": null, 
        "bankName": null, 
        "branchCode": null, 
        "routingInformation": [ 
            {
                "routingNumber": "021000021", 
                "transactionType": "ACH", 
                "routingCodeType": "USABA" 
            }, 
            { 
                "routingNumber": "021000021", 
                "transactionType": "RTP", 
                "routingCodeType": "USABA" 
            }, 
            { 
                "routingNumber": "021000021", 
                "transactionType": "WIRE", 
                "routingCodeType": "USABA" 
            } 
        ], 
        "countryCode": "US" 
    }, 
    "type": "RECIPIENT", 
    "status": "ACTIVE", 
    "clientId": "3002023061", 
    "createdAt": "2025-04-08T17:19:33.368472Z", 
    "updatedAt": "2025-04-08T17:19:33.366590372Z", 
    "accountValidationResponse": null, 
    "card": null 
}
```

## Update a recipient for ACH, Wires and RTP

Send a `PUT /recipients/{recipientId}` request with the `account` and `partyDetails` objects.

Sample request: 

```json
{ 
    "partyDetails": { 
        "address": { 
            "addressLine1": "200 Central Park West", 
            "addressLine2": "Apt. 3663", 
            "city": "New York City", 
            "countryCode": "US", 
            "postalCode": "12345", 
            "state": "NY", 
            "zip": "10024" 
        }, 
        "type": "ORGANIZATION", 
        "businessName": "Susie Struth", 
        "contacts": [ 
            { 
                "contactType": "EMAIL", 
                "value": "rob4568.smith@gmail.com" 
            } 
        ] 
    }, 
    "account": { 
        "number": "0259057683", 
        "type": "SAVINGS", 
        "routingInformation": [ 
            { 
                "routingCodeType": "USABA", 
                "routingNumber": "021000021", 
                "transactionType": "ACH" 
            }, 
            { 
                "routingCodeType": "USABA", 
                "routingNumber": "021000021", 
                "transactionType": "RTP" 
            }, 
            { 
                "routingCodeType": "USABA", 
                "routingNumber": "021000021", 
                "transactionType": "WIRE" 
            }
        ],
        "countryCode": "US" 
    }, 
    "type": "RECIPIENT" 
}
```

Sample response:

```json
{ 
    "id": "56043232-1ef2-4495-953b-1320b5b8913d", 
    "partyDetails": { 
        "address": { 
            "addressType": null, 
            "addressLine1": "200 Central Park West", 
            "addressLine2": "Apt. 3663", 
            "addressLine3": null, 
            "city": "New York City", 
            "state": "NY", 
            "postalCode": "12345", 
            "countryCode": "US" 
        }, 
        "type": "ORGANIZATION", 
        "firstName": null, 
        "lastName": null, 
        "businessName": "Susie Struth", 
        "alternativeName": null, 
        "contacts": [ 
            { 
                "contactType": "EMAIL", 
                "countryCode": null, 
                "value": "rob4568.smith@gmail.com" 
            } 
        ], 
        "identities": null 
    }, 
    "partyId": "33321085-23c6-4116-9e1b-b1a9a651ce7b", 
    "account": { 
        "number": "0259057683", 
        "type": "SAVINGS", 
        "bic": null, 
        "bankName": null, 
        "branchCode": null, 
        "routingInformation": [ 
            {
                "routingNumber": "021000021", 
                "transactionType": "ACH", 
                "routingCodeType": "USABA" 
            }, 
            { 
                "routingNumber": "021000021", 
                "transactionType": "RTP", 
                "routingCodeType": "USABA" 
            }, 
            { 
                "routingNumber": "021000021", 
                "transactionType": "WIRE", 
                "routingCodeType": "USABA" 
            } 
        ], 
        "countryCode": "US" 
    }, 
    "type": "RECIPIENT", 
    "status": "ACTIVE", 
    "clientId": "3002023061", 
    "createdAt": "2025-04-08T17:19:33.368472Z", 
    "updatedAt": "2025-04-08T17:19:33.366590372Z", 
    "accountValidationResponse": null, 
    "card": null 
}
```

## Create a recipient for Push to Card (P2C)

To create a recipient for Push to Card payments, include the card object with the following required fields: 

- name (string): Name on the debit card, maximum 30 characters, alphabetic characters and spaces only, case insensitive

- pan (string): 16-digit debit card number, no spaces allowed

- expiryDate (string): Debit card expiration date in YYMM format (e.g., 2612 for December 2026)

Sample request:

```json
{
  "partyDetails": {
    "address": {
      "addressLine1": "200 C Park West",
      "addressLine2": "Apt. 777",
      "city": "Tampa",
      "state": "FL",
      "postalCode": "33647",
      "countryCode": "US"
    },
    "type": "INDIVIDUAL",
    "firstName": "Mary",
    "lastName": "Sheen",
    "contacts": [
      {
        "contactType": "PHONE",
        "countryCode": "+1",
        "value": "8137771122"
      },
      {
        "contactType": "EMAIL",
        "value": "MSheen@info.com"
      }
    ]
  },
  "card": {
    "name": "MARY K SHEEN",
    "pan": "16digitcardnumber",
    "expiryDate": "2603"
  },
  "type": "RECIPIENT",
  "clientId": "1000010400"
}
```

Sample response:

> The tokenized card number is masked, showing only the last 4 digits of the card number in the response.
> 

```json
{
  "id": "c8dc77a2-890c-4f4e-b714-29ce0b5dda7b",
  "partyDetails": {
    "address": {
      "addressType": null,
      "addressLine1": "200 C Park West",
      "addressLine2": "Apt. 777",
      "addressLine3": null,
      "city": "Tampa",
      "state": "FL",
      "postalCode": "33647",
      "countryCode": "US"
    },
    "type": "INDIVIDUAL",
    "firstName": "Mary",
    "lastName": "Sheen",
    "businessName": null,
    "alternativeName": null,
    "contacts": [
      {
        "contactType": "PHONE",
        "countryCode": "+1",
        "value": "8137771122"
      },
      {
        "contactType": "EMAIL",
        "countryCode": null,
        "value": "MSheen@info.com"
      }
    ],
    "identities": null
  },
  "partyId": "abce4b47-8ec2-4363-ba9a-c6e4f6e9a5b5",
  "account": null,
  "type": "RECIPIENT",
  "status": "ACTIVE",
  "clientId": "1000010400",
  "createdAt": "2025-09-01T20:48:53.294312Z",
  "updatedAt": "2025-09-01T20:48:53.294355Z",
  "accountValidationResponse": null,
  "card": {
    "name": "MARY K SHEEN",
    "pan": "************4447",
    "expiryDate": "2603"
  }
}
```

## Update a recipient for Push to Card (P2C)

Send a `PUT /recipients/{recipientId}` request with the card object. For Push to Card recipients, note the following:

- Both name and expiryDate are required in the card object, even if only one field is changing.

- You cannot update the card number (pan) on an existing recipient. If the card number changes, you must create a new recipient record with a new ID.

Sample request (P2C):

```json
{
  "card": {
    "name": "MARY K SAVAGE",
    "expiryDate": "2703"
  }
}
```

Sample response (P2C):

> The tokenized card number is masked, showing only the last 4 digits of the card number in the response.
> 

```json
{
  "id": "c8dc77a2-890c-4f4e-b714-29ce0b5dda7b",
  "partyDetails": {
    "address": {
      "addressType": null,
      "addressLine1": "200 C Park West",
      "addressLine2": "Apt. 2777",
      "addressLine3": null,
      "city": "New York City",
      "state": "NY",
      "postalCode": "33647",
      "countryCode": "US"
    },
    "type": "INDIVIDUAL",
    "firstName": "Mary",
    "lastName": "Sheen",
    "businessName": null,
    "alternativeName": null,
    "contacts": [
      {
        "contactType": "PHONE",
        "countryCode": "+1",
        "value": "8137771122"
      },
      {
        "contactType": "EMAIL",
        "countryCode": null,
        "value": "MSheen@info.com"
      }
    ],
    "identities": null
  },
  "partyId": "abce4b47-8ec2-4363-ba9a-c6e4f6e9a5b5",
  "account": null,
  "type": "RECIPIENT",
  "status": "ACTIVE",
  "clientId": "1000010400",
  "createdAt": "2025-09-05T20:48:53.294312Z",
  "updatedAt": "2026-12-12T14:23:37.792374Z",
  "accountValidationResponse": null,
  "card": {
    "name": "MARY K SAVAGE",
    "pan": "************4447",
    "expiryDate": "2703"
  }
}
```